Basic Feature Engineering Lending Club Data Profile Report

Dataset statistics

Number of variables	24
Number of observations	10000
Missing cells	0
Missing cells (%)	0.0%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	6.0 MiB
Average record size in memory	632.3 B

Variable types

NUM	13
CAT	9
BOOL	2

Reproduction

Analysis started	2020-11-05 19:39:19.751370
Analysis finished	2020-11-05 19:40:10.945794
Version	pandas-profiling v2.6.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

`zip_code` has a high cardinality: 720 distinct values	High cardinality
`emp_length` has 250 (2.5%) zeros	Zeros
`delinq_2yrs` has 8915 (89.1%) zeros	Zeros
`inq_last_6mths` has 4607 (46.1%) zeros	Zeros
`mths_since_last_delinq` has 6479 (64.8%) zeros	Zeros
`mths_since_last_record` has 267 (2.7%) zeros	Zeros
`revol_bal` has 278 (2.8%) zeros	Zeros
`revol_util` has 254 (2.5%) zeros	Zeros

is_bad
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

0	8705
1	1295

Frequency Table

Value	Count	Frequency (%)
0	8705	87.1%
1	1295	13.0%

emp_length
Real number (ℝ_≥0)

ZEROS

Distinct count	11
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	4.8554
Minimum	0
Maximum	10
Zeros	250
Zeros (%)	2.5%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	1
Q1	2
median	4
Q3	8
95-th percentile	10
Maximum	10
Range	10
Interquartile range (IQR)	6

Descriptive statistics

Standard deviation	3.461659883
Coefficient of variation (CV)	0.7129505053
Kurtosis	-1.362680399
Mean	4.8554
Median Absolute Deviation (MAD)	3.0513982
Skewness	0.366779797
Sum	48554
Variance	11.98308915

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.5 1.5 2.5 3.5 5.5 6.5 7.5 9.5 10. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
10	2168	21.7%
1	2083	20.8%
2	1183	11.8%
3	1010	10.1%
4	889	8.9%
5	779	7.8%
6	535	5.3%
7	421	4.2%
8	351	3.5%
9	331	3.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	250	2.5%
1	2083	20.8%
2	1183	11.8%
3	1010	10.1%
4	889	8.9%

Value	Count	Frequency (%)
10	2168	21.7%
9	331	3.3%
8	351	3.5%
7	421	4.2%
6	535	5.3%

home_ownership
Categorical

Distinct count	5
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

rent	4745
mortgage	4445
own	775
other	34
none	1

Value	Count	Frequency (%)
rent	4745	47.4%
mortgage	4445	44.5%
own	775	7.8%
other	34	0.3%
none	1	< 0.1%

Length

Max length	8
Mean length	5.7039
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	10	100.0%

Value	Count	Frequency (%)
Latin	10	100.0%

Value	Count	Frequency (%)
ASCII	10	100.0%

annual_inc
Real number (ℝ_≥0)

Distinct count	1901
Unique (%)	19.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	68201.99124
Minimum	2000
Maximum	900000
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	2000
5-th percentile	23747
Q1	40000
median	58000
Q3	82000
95-th percentile	143525
Maximum	900000
Range	898000
Interquartile range (IQR)	42000

Descriptive statistics

Standard deviation	48587.93007
Coefficient of variation (CV)	0.7124121919
Kurtosis	51.15844552
Mean	68201.99124
Median Absolute Deviation (MAD)	30244.93419
Skewness	4.880579183
Sum	682019912.4
Variance	2360786948

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 2000. 11910. 12120. 14244. 14450. ... 252500. 297500. 301000. 420000. 900000.], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
60000	381	3.8%
50000	267	2.7%
40000	222	2.2%
75000	213	2.1%
30000	211	2.1%
65000	204	2.0%
48000	196	2.0%
70000	193	1.9%
45000	181	1.8%
80000	170	1.7%
Other values (1891)	7762	77.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
2000	1	< 0.1%
4080	1	< 0.1%
4200	2	< 0.1%
4800	2	< 0.1%
5000	2	< 0.1%

Value	Count	Frequency (%)
900000	2	< 0.1%
860000	1	< 0.1%
780000	1	< 0.1%
744000	1	< 0.1%
725000	1	< 0.1%

verification_status
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

not verified	4367
verified - income	3214
verified - income source	2419

Value	Count	Frequency (%)
not verified	4367	43.7%
verified - income	3214	32.1%
verified - income source	2419	24.2%

Length

Max length	24
Mean length	16.5098
Min length	12

Value	Count	Frequency (%)
Lowercase_Letter	13	86.7%
Space_Separator	1	6.7%
Dash_Punctuation	1	6.7%

Value	Count	Frequency (%)
Latin	13	86.7%
Common	2	13.3%

Value	Count	Frequency (%)
ASCII	15	100.0%

pymnt_plan
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

n	9998
y	2

Frequency Table

Value	Count	Frequency (%)
n	9998	> 99.9%
y	2	< 0.1%

purpose_cat
Categorical

Distinct count	27
Unique (%)	0.3%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

debt consolidation	4454
credit card	1273
other	1026
home improvement	800
major purchase	546
Other values (22)	1901

Value	Count	Frequency (%)
debt consolidation	4454	44.5%
credit card	1273	12.7%
other	1026	10.3%
home improvement	800	8.0%
major purchase	546	5.5%
small business	461	4.6%
car	349	3.5%
wedding	250	2.5%
medical	183	1.8%
moving	159	1.6%
Other values (17)	499	5.0%

Length

Max length	33
Mean length	13.9381
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	21	95.5%
Space_Separator	1	4.5%

Value	Count	Frequency (%)
Latin	21	95.5%
Common	1	4.5%

Value	Count	Frequency (%)
ASCII	22	100.0%

zip_code
Categorical

HIGH CARDINALITY

Distinct count	720
Unique (%)	7.2%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

100xx	158
112xx	141
945xx	129
070xx	125
606xx	114
Other values (715)	9333

Value	Count	Frequency (%)
100xx	158	1.6%
112xx	141	1.4%
945xx	129	1.3%
070xx	125	1.2%
606xx	114	1.1%
900xx	107	1.1%
021xx	99	1.0%
941xx	95	0.9%
926xx	94	0.9%
300xx	93	0.9%
Other values (710)	8845	88.4%

Length

Max length	5
Mean length	5
Min length	5

Value	Count	Frequency (%)
Decimal_Number	10	90.9%
Lowercase_Letter	1	9.1%

Value	Count	Frequency (%)
Common	10	90.9%
Latin	1	9.1%

Value	Count	Frequency (%)
ASCII	11	100.0%

addr_state
Categorical

Distinct count	50
Unique (%)	0.5%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

ca	1748
ny	958
fl	714
tx	700
nj	482
Other values (45)	5398

Value	Count	Frequency (%)
ca	1748	17.5%
ny	958	9.6%
fl	714	7.1%
tx	700	7.0%
nj	482	4.8%
va	392	3.9%
il	386	3.9%
pa	378	3.8%
ga	357	3.6%
ma	331	3.3%
Other values (40)	3554	35.5%

Length

Max length	2
Mean length	2
Min length	2

Value	Count	Frequency (%)
Lowercase_Letter	24	100.0%

Value	Count	Frequency (%)
Latin	24	100.0%

Value	Count	Frequency (%)
ASCII	24	100.0%

debt_to_income
Real number (ℝ_≥0)

Distinct count	2585
Unique (%)	25.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	13.338704
Minimum	0
Maximum	29.99
Zeros	58
Zeros (%)	0.6%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	2.129
Q1	8.16
median	13.41
Q3	18.6925
95-th percentile	23.93
Maximum	29.99
Range	29.99
Interquartile range (IQR)	10.5325

Descriptive statistics

Standard deviation	6.754211507
Coefficient of variation (CV)	0.5063619004
Kurtosis	-0.8546793248
Mean	13.338704
Median Absolute Deviation (MAD)	5.669516109
Skewness	-0.008777611376
Sum	133387.04
Variance	45.61937308

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.055 0.195 3.395 7.675 20.325 22.835 24.965 26.885 29.99 ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	58	0.6%
12.48	16	0.2%
13.51	13	0.1%
10	13	0.1%
19.2	13	0.1%
18.14	13	0.1%
4.8	12	0.1%
17.82	12	0.1%
15.38	12	0.1%
22.43	12	0.1%
Other values (2575)	9826	98.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	58	0.6%
0.11	1	< 0.1%
0.12	1	< 0.1%
0.13	1	< 0.1%
0.14	2	< 0.1%

Value	Count	Frequency (%)
29.99	1	< 0.1%
29.93	1	< 0.1%
29.92	1	< 0.1%
29.83	1	< 0.1%
29.74	1	< 0.1%

delinq_2yrs
Real number (ℝ_≥0)

ZEROS

Distinct count	10
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.1481
Minimum	0
Maximum	11
Zeros	8915
Zeros (%)	89.1%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	11
Range	11
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.5061541358
Coefficient of variation (CV)	3.417651153
Kurtosis	54.83739854
Mean	0.1481
Median Absolute Deviation (MAD)	0.2640623
Skewness	5.640791298
Sum	1481
Variance	0.2561920092

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.5 1.5 2.5 3.5 5.5 11. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	8915	89.1%
1	822	8.2%
2	186	1.9%
3	50	0.5%
4	14	0.1%
5	6	0.1%
6	3	< 0.1%
7	2	< 0.1%
11	1	< 0.1%
8	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	8915	89.1%
1	822	8.2%
2	186	1.9%
3	50	0.5%
4	14	0.1%

Value	Count	Frequency (%)
11	1	< 0.1%
8	1	< 0.1%
7	2	< 0.1%
6	3	< 0.1%
5	6	0.1%

inq_last_6mths
Real number (ℝ_≥0)

ZEROS

Distinct count	20
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1.0664
Minimum	0
Maximum	25
Zeros	4607
Zeros (%)	46.1%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	1
Q3	2
95-th percentile	4
Maximum	25
Range	25
Interquartile range (IQR)	2

Descriptive statistics

Standard deviation	1.475875625
Coefficient of variation (CV)	1.383979393
Kurtosis	23.68251185
Mean	1.0664
Median Absolute Deviation (MAD)	1.01822448
Skewness	3.116512638
Sum	10664
Variance	2.178208861

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.5 1.5 2.5 3.5 ... 5.5 6.5 8.5 9.5 25. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	4607	46.1%
1	2684	26.8%
2	1431	14.3%
3	731	7.3%
4	227	2.3%
5	152	1.5%
6	76	0.8%
7	42	0.4%
8	27	0.3%
9	10	0.1%
Other values (10)	13	0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	4607	46.1%
1	2684	26.8%
2	1431	14.3%
3	731	7.3%
4	227	2.3%

Value	Count	Frequency (%)
25	1	< 0.1%
24	1	< 0.1%
18	2	< 0.1%
17	1	< 0.1%
16	1	< 0.1%

mths_since_last_delinq
Real number (ℝ_≥0)

ZEROS

Distinct count	91
Unique (%)	0.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	13.222
Minimum	0
Maximum	120
Zeros	6479
Zeros (%)	64.8%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	23
95-th percentile	65
Maximum	120
Range	120
Interquartile range (IQR)	23

Descriptive statistics

Standard deviation	21.99844788
Coefficient of variation (CV)	1.663776122
Kurtosis	1.249060661
Mean	13.222
Median Absolute Deviation (MAD)	17.6746228
Skewness	1.556097754
Sum	132220
Variance	483.9317092

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 0.5 1.5 11.5 48.5 76.5 82.5 120. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	6479	64.8%
30	69	0.7%
34	66	0.7%
23	65	0.7%
38	65	0.7%
24	64	0.6%
44	64	0.6%
20	63	0.6%
33	63	0.6%
18	61	0.6%
Other values (81)	2941	29.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	6479	64.8%
1	6	0.1%
2	29	0.3%
3	40	0.4%
4	37	0.4%

Value	Count	Frequency (%)
120	1	< 0.1%
115	1	< 0.1%
97	1	< 0.1%
96	1	< 0.1%
95	1	< 0.1%

mths_since_last_record
Real number (ℝ_≥0)

ZEROS

Distinct count	94
Unique (%)	0.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	114.1828
Minimum	0
Maximum	119
Zeros	267
Zeros (%)	2.7%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	91
Q1	119
median	119
Q3	119
95-th percentile	119
Maximum	119
Range	119
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	20.78681778
Coefficient of variation (CV)	0.1820485903
Kurtosis	22.76765479
Mean	114.1828
Median Absolute Deviation (MAD)	8.85020928
Skewness	-4.838179104
Sum	1141828
Variance	432.0917933

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 3. 37. 83.5 118.5 119. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
119	9163	91.6%
0	267	2.7%
89	21	0.2%
116	18	0.2%
87	17	0.2%
92	17	0.2%
86	17	0.2%
104	16	0.2%
100	16	0.2%
114	16	0.2%
Other values (84)	432	4.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	267	2.7%
6	1	< 0.1%
11	1	< 0.1%
17	1	< 0.1%
20	2	< 0.1%

Value	Count	Frequency (%)
119	9163	91.6%
118	11	0.1%
117	10	0.1%
116	18	0.2%
115	10	0.1%

open_acc
Real number (ℝ_≥0)

Distinct count	36
Unique (%)	0.4%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	9.3344
Minimum	1
Maximum	39
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	1
5-th percentile	3
Q1	6
median	9
Q3	12
95-th percentile	18
Maximum	39
Range	38
Interquartile range (IQR)	6

Descriptive statistics

Standard deviation	4.525464023
Coefficient of variation (CV)	0.4848157378
Kurtosis	1.841019064
Mean	9.3344
Median Absolute Deviation (MAD)	3.51517792
Skewness	1.063972019
Sum	93344
Variance	20.47982462

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 1. 1.5 2.5 3.5 4.5 ... 21.5 23.5 25.5 30.5 39. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
7	1035	10.3%
6	990	9.9%
8	937	9.4%
9	934	9.3%
10	805	8.1%
5	763	7.6%
11	692	6.9%
4	631	6.3%
12	577	5.8%
13	487	4.9%
Other values (26)	2149	21.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	7	0.1%
2	163	1.6%
3	374	3.7%
4	631	6.3%
5	763	7.6%

Value	Count	Frequency (%)
39	1	< 0.1%
36	2	< 0.1%
35	1	< 0.1%
33	3	< 0.1%
32	1	< 0.1%

pub_rec
Categorical

Distinct count	4
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

0	9427
1	550
2	18
3	5

Value	Count	Frequency (%)
0	9427	94.3%
1	550	5.5%
2	18	0.2%
3	5	0.1%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Decimal_Number	4	100.0%

Value	Count	Frequency (%)
Common	4	100.0%

Value	Count	Frequency (%)
ASCII	4	100.0%

revol_bal
Real number (ℝ_≥0)

ZEROS

Distinct count	8130
Unique (%)	81.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14271.0074
Minimum	0
Maximum	1207359
Zeros	278
Zeros (%)	2.8%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	277.95
Q1	3524.5
median	8645.5
Q3	16952.25
95-th percentile	44554.85
Maximum	1207359
Range	1207359
Interquartile range (IQR)	13427.75

Descriptive statistics

Standard deviation	25437.9082
Coefficient of variation (CV)	1.782488614
Kurtosis	570.4140985
Mean	14271.0074
Median Absolute Deviation (MAD)	11728.71446
Skewness	16.32424653
Sum	142710074
Variance	647087173.7

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.000000e+00 5.000000e-01 2.550000e+01 7.825000e+02 5.878000e+03 ... 8.222900e+04 1.205955e+05 1.727790e+05 2.836010e+05 1.207359e+06], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	278	2.8%
2227	6	0.1%
1763	6	0.1%
11628	5	0.1%
4801	5	0.1%
760	5	0.1%
5272	4	< 0.1%
18550	4	< 0.1%
15	4	< 0.1%
5220	4	< 0.1%
Other values (8120)	9679	96.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	278	2.8%
1	2	< 0.1%
3	2	< 0.1%
5	1	< 0.1%
6	2	< 0.1%

Value	Count	Frequency (%)
1207359	1	< 0.1%
602519	1	< 0.1%
508961	1	< 0.1%
487589	1	< 0.1%
423189	1	< 0.1%

revol_util
Real number (ℝ_≥0)

ZEROS

Distinct count	1027
Unique (%)	10.3%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	48.451419
Minimum	0
Maximum	100.6
Zeros	254
Zeros (%)	2.5%
Memory size	78.2 KiB

Quantile statistics

Minimum	0
5-th percentile	2.8
Q1	25
median	48.7
Q3	71.8
95-th percentile	93.6
Maximum	100.6
Range	100.6
Interquartile range (IQR)	46.8

Descriptive statistics

Standard deviation	28.18384582
Coefficient of variation (CV)	0.5816928874
Kurtosis	-1.094338897
Mean	48.451419
Median Absolute Deviation (MAD)	24.0658605
Skewness	-0.01681450313
Sum	484514.19
Variance	794.3291651

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.000e+00 1.500e-02 6.500e-02 1.100e-01 2.365e+01 ... 4.875e+01 8.555e+01 9.795e+01 9.995e+01 1.006e+02], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	254	2.5%
48.7	34	0.3%
46.6	21	0.2%
43.4	20	0.2%
0.1	20	0.2%
55.4	19	0.2%
70	19	0.2%
47.6	19	0.2%
53.6	19	0.2%
56.8	19	0.2%
Other values (1017)	9556	95.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	254	2.5%
0.03	1	< 0.1%
0.1	20	0.2%
0.12	1	< 0.1%
0.2	11	0.1%

Value	Count	Frequency (%)
100.6	1	< 0.1%
100	1	< 0.1%
99.9	4	< 0.1%
99.8	5	0.1%
99.7	3	< 0.1%

total_acc
Real number (ℝ_≥0)

Distinct count	75
Unique (%)	0.8%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	22.0103
Minimum	1
Maximum	90
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	1
5-th percentile	6
Q1	13
median	20
Q3	29
95-th percentile	44
Maximum	90
Range	89
Interquartile range (IQR)	16

Descriptive statistics

Standard deviation	11.70655792
Coefficient of variation (CV)	0.5318672584
Kurtosis	0.9259505914
Mean	22.0103
Median Absolute Deviation (MAD)	9.28843058
Skewness	0.8712513322
Sum	220103
Variance	137.0434983

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 1. 2.5 3.5 5.5 6.5 ... 48.5 53.5 62.5 63.5 90. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
15	369	3.7%
20	365	3.6%
17	360	3.6%
12	357	3.6%
14	351	3.5%
19	346	3.5%
16	340	3.4%
18	339	3.4%
13	331	3.3%
22	329	3.3%
Other values (65)	6513	65.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	3	< 0.1%
2	10	0.1%
3	58	0.6%
4	115	1.1%
5	144	1.4%

Value	Count	Frequency (%)
90	1	< 0.1%
81	1	< 0.1%
80	1	< 0.1%
79	1	< 0.1%
78	1	< 0.1%

initial_list_status
Categorical

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

f	9983
m	17

Value	Count	Frequency (%)
f	9983	99.8%
m	17	0.2%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Lowercase_Letter	2	100.0%

Value	Count	Frequency (%)
Latin	2	100.0%

Value	Count	Frequency (%)
ASCII	2	100.0%

mths_since_last_major_derog
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

2	3424
3	3299
1	3277

Value	Count	Frequency (%)
2	3424	34.2%
3	3299	33.0%
1	3277	32.8%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Decimal_Number	3	100.0%

Value	Count	Frequency (%)
Common	3	100.0%

Value	Count	Frequency (%)
ASCII	3	100.0%

policy_code
Categorical

Distinct count	5
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	78.2 KiB

pc3	2098
pc5	2025
pc1	1978
pc2	1962
pc4	1937

Value	Count	Frequency (%)
pc3	2098	21.0%
pc5	2025	20.2%
pc1	1978	19.8%
pc2	1962	19.6%
pc4	1937	19.4%

Length

Max length	3
Mean length	3
Min length	3

Value	Count	Frequency (%)
Decimal_Number	5	71.4%
Lowercase_Letter	2	28.6%

Value	Count	Frequency (%)
Common	5	71.4%
Latin	2	28.6%

Value	Count	Frequency (%)
ASCII	7	100.0%

cr_line_yrs
Real number (ℝ_≥0)

Distinct count	50
Unique (%)	0.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1997.0153
Minimum	1970
Maximum	2069
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	1970
5-th percentile	1984
Q1	1994
median	1998
Q3	2001
95-th percentile	2006
Maximum	2069
Range	99
Interquartile range (IQR)	7

Descriptive statistics

Standard deviation	7.739099126
Coefficient of variation (CV)	0.003875332916
Kurtosis	21.64917142
Mean	1997.0153
Median Absolute Deviation (MAD)	5.24052386
Skewness	1.789777925
Sum	19970153
Variance	59.89365528

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[1970. 1975.5 1981.5 1983.5 1986.5 ... 2007.5 2029. 2060.5 2066.5 2069. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
2000	839	8.4%
1998	753	7.5%
1999	715	7.1%
2001	642	6.4%
1997	601	6.0%
1996	592	5.9%
1995	518	5.2%
1994	513	5.1%
2002	503	5.0%
2003	455	4.5%
Other values (40)	3869	38.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1970	14	0.1%
1971	11	0.1%
1972	13	0.1%
1973	18	0.2%
1974	14	0.1%

Value	Count	Frequency (%)
2069	9	0.1%
2068	7	0.1%
2067	6	0.1%
2066	2	< 0.1%
2065	2	< 0.1%

cr_line_mths
Real number (ℝ_≥0)

Distinct count	12
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	6.8571
Minimum	1
Maximum	12
Zeros	0
Zeros (%)	0.0%
Memory size	78.2 KiB

Quantile statistics

Minimum	1
5-th percentile	1
Q1	4
median	7
Q3	10
95-th percentile	12
Maximum	12
Range	11
Interquartile range (IQR)	6

Descriptive statistics

Standard deviation	3.546200381
Coefficient of variation (CV)	0.5171574545
Kurtosis	-1.244569145
Mean	6.8571
Median Absolute Deviation (MAD)	3.09104728
Skewness	-0.1786189228
Sum	68571
Variance	12.57553714

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 1. 1.5 4.5 8.5 11.5 12. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
10	1057	10.6%
11	999	10.0%
12	972	9.7%
9	923	9.2%
1	904	9.0%
8	794	7.9%
7	771	7.7%
6	740	7.4%
5	740	7.4%
2	728	7.3%
Other values (2)	1372	13.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	904	9.0%
2	728	7.3%
3	696	7.0%
4	676	6.8%
5	740	7.4%

Value	Count	Frequency (%)
12	972	9.7%
11	999	10.0%
10	1057	10.6%
9	923	9.2%
8	794	7.9%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Count
Matrix

First rows

	emp_length	home_ownership	annual_inc	verification_status	pymnt_plan	purpose_cat	zip_code	addr_state	debt_to_income	delinq_2yrs	inq_last_6mths	mths_since_last_delinq	mths_since_last_record	open_acc	revol_bal	revol_util	total_acc	initial_list_status	mths_since_last_major_derog	policy_code	cr_line_yrs	cr_line_mths
0	10	mortgage	50000.0	not verified	n	medical	766xx	tx	10.87	0.0	0.0	0.0	119	15.0	12087	12.1	44.0	f	1	pc4	1992.0	12
1	1	rent	39216.0	not verified	n	debt consolidation	660xx	ks	9.15	0.0	2.0	0.0	119	4.0	10114	64.0	5.0	f	2	pc1	2005.0	11
2	4	rent	65000.0	not verified	n	credit card	916xx	ca	11.24	0.0	0.0	0.0	119	4.0	81	0.6	8.0	f	3	pc4	1970.0	6
3	10	mortgage	57500.0	not verified	n	debt consolidation	124xx	ny	6.18	1.0	0.0	16.0	119	6.0	10030	37.1	23.0	f	2	pc2	1982.0	9
4	10	mortgage	50004.0	verified - income	n	debt consolidation	439xx	oh	19.03	0.0	4.0	0.0	119	8.0	10740	40.4	21.0	f	3	pc3	1999.0	10
5	4	rent	47028.0	verified - income	n	other	200xx	dc	7.83	2.0	1.0	19.0	119	6.0	1715	26.4	25.0	f	3	pc3	1999.0	12
6	10	mortgage	126000.0	not verified	n	credit card	103xx	ny	14.28	0.0	0.0	0.0	119	18.0	5466	11.1	29.0	f	3	pc1	1979.0	11
7	6	mortgage	42000.0	verified - income source	n	debt consolidation	891xx	nv	10.29	0.0	0.0	0.0	119	9.0	10354	95.9	10.0	f	3	pc3	2006.0	4
8	2	mortgage	50000.0	verified - income	n	debt consolidation	612xx	il	15.36	0.0	2.0	0.0	119	11.0	19662	59.2	27.0	f	1	pc5	2001.0	2
9	1	rent	40000.0	not verified	n	car	926xx	ca	6.48	0.0	1.0	0.0	119	11.0	19998	18.3	23.0	f	1	pc5	1995.0	5

Last rows

	is_bad	emp_length	home_ownership	annual_inc	verification_status	pymnt_plan	purpose_cat	zip_code	addr_state	debt_to_income	delinq_2yrs	inq_last_6mths	mths_since_last_delinq	mths_since_last_record	open_acc	pub_rec	revol_bal	revol_util	total_acc	initial_list_status	mths_since_last_major_derog	policy_code	cr_line_yrs	cr_line_mths
9990	0	10	mortgage	120000.0	verified - income	n	home improvement	481xx	mi	14.44	1.0	0.0	4.0	119	14.0	0	14716	59.8	31.0	f	2	pc2	1994.0	2
9991	0	10	rent	63000.0	verified - income source	n	medical	018xx	ma	10.08	0.0	0.0	0.0	119	6.0	0	60	1.1	22.0	f	3	pc1	1989.0	5
9992	0	10	rent	52000.0	verified - income	n	debt consolidation	124xx	ny	23.70	0.0	0.0	70.0	119	8.0	0	15002	91.5	18.0	f	2	pc5	1998.0	8
9993	0	10	own	95892.0	verified - income	n	home improvement	110xx	ny	8.70	0.0	2.0	0.0	119	3.0	0	2139	30.6	7.0	f	3	pc5	1995.0	7
9994	1	1	rent	24996.0	verified - income source	n	debt consolidation	913xx	ca	3.79	0.0	0.0	0.0	119	2.0	0	4801	56.5	7.0	f	1	pc1	2005.0	8
9995	0	5	mortgage	66250.0	verified - income	n	wedding	014xx	ma	9.40	0.0	1.0	0.0	119	8.0	0	3656	24.1	10.0	f	2	pc3	2001.0	9
9996	0	1	rent	26000.0	verified - income source	n	debt consolidation	112xx	ny	20.49	0.0	1.0	79.0	119	8.0	0	6709	58.9	12.0	f	2	pc3	2000.0	5
9997	0	8	rent	47831.0	not verified	n	debt consolidation	070xx	nj	24.13	0.0	0.0	0.0	111	9.0	1	11346	60.7	17.0	f	3	pc3	1989.0	12
9998	0	6	mortgage	70000.0	not verified	n	major purchase	244xx	va	16.18	2.0	2.0	16.0	119	9.0	0	17157	50.9	27.0	f	2	pc3	1999.0	3
9999	0	1	rent	70560.0	not verified	n	credit card	900xx	ca	16.13	0.0	1.0	53.0	119	15.0	0	2304	22.6	34.0	f	2	pc5	2000.0	9

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Missing values

Sample

First rows

Last rows